Walmart CLI! And a question about that

[kevinjjc]

I also recon'd my initial credit limit...went from 1,300 to 10,000.

Here was my thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Walmart-Discover-approved-amp-initial-CL-recon-success-...

[Gunnar419]

Thanks, Lithium! I appreciate you giving me an idea of what the pattern might be. Nice going with those increases, too.

My income isn't spectacular, but everything else is good. I guess I'll have to get used to asking for CLIs. I know the people around here are veterans at it. But in all my years of using credit, I'd never done it once before yesterday.

[Gunnar419]

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@kevinjjc wrote:

I also recon'd my initial credit limit...went from 1,300 to 10,000.

Here was my thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Walmart-Discover-approved-amp-initial-CL-recon-success-...

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Whoof. You reconned and went that high in ONE JUMP? I'm in awe.

[kevinjjc]

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@Gunnar419 wrote:

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@kevinjjc wrote:

I also recon'd my initial credit limit...went from 1,300 to 10,000.

Here was my thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Walmart-Discover-approved-amp-initial-CL-recon-success-...

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Whoof. You reconned and went that high in ONE JUMP? I'm in awe.

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Yup, but I already have relatively high credit limits on my other credit cards.

Here's a summary of my credit:

My available credit is more than 5 times my annual income.

  191,050 total credit card limits

+  40,000 total LOC limits

--------------------------------------------------

= 231,050 total revolving credit limits

 CC/LOC                                                                                   LIMIT
American Express Blue Cash Everyday                           $17,300
Bank of America Platinum Plus Visa                                $12,500

Barclays NFL (NY Giants) Extra Points World MC          $10,000

Chase Freedom Visa Signature                                        $18,000
Discover More Card                                                              $15,000
JCPenney/GECRB                                                                $5,000
Walmart Discover/GECRB                                                  $10,000
Navy Federal nRewards MasterCard                                $25,000
PenFed Visa Gold Card                                                       $35,000
PenFed Platinum Cash Rewards Card                            $15,000
Staples/Citi                                                                             $3,250
USAA Rewards World MasterCard                                    $10,000
US Bank Cash+ Visa Signature                                         $15,000
Navy Federal LOC                                                                 $15,000
PenFed LOC                                                                          $25,000

[BearsAndTurtlesRtheBest]

YUP! even if they dont grant the auto cli you can always do it via online, or automated system if they dont approve your request they will usually just counter offer. BUt for now you should use your new CL and use it responsably so they can see how good you can mange credit. Dont worry wal mart will love you as long as you carry their card. Again congrats!

[chnceit]

One thing about GE, if you dont like the auto the CL the system gives you call the UW because they will literally hand you a nice CL on a silver platter  I  GE

[Gunnar419]

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@kevinjjc wrote:

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@Gunnar419 wrote:

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@kevinjjc wrote:

I also recon'd my initial credit limit...went from 1,300 to 10,000.

Here was my thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Walmart-Discover-approved-amp-initial-CL-recon-success-...

---

Whoof. You reconned and went that high in ONE JUMP? I'm in awe.

---

Yup, but I already have relatively high credit limits on my other credit cards.

Here's a summary of my credit:

My available credit is more than 5 times my annual income.

  191,050 total credit card limits

+  40,000 total LOC limits

--------------------------------------------------

= 231,050 total revolving credit limits

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Well, shazam. That just gets more impressive than ever. And here I thought I was hot stuff because within the last few months I finally got a couple of lines over $10k.

I was going to say I'll never have anything approaching your total CLs because although I do most everything else right I'm pretty low income. But then I saw your statement about 5X. Your income is quite a bit higher than mine. But until I saw your post, I'd have assumed you'd need an income well over $100k to get CLs like yours.

I'll still probably never have giant CLs because I'm just not that big a user of credit or a devotee of pursuing CLIs. But it's nice to know it's possible.

[Gunnar419]

Bears and chanceit, I'm definitely looking forward to those good GE CLs.

I said above that I had never in my life called for a CL. I've never "hit the luv button," either. Guess now that I've got a couple of GE cards, I'm going to have to change my ways.